Low interest rate cards offer you a competitively rate that is lower than the standard interest rate either indefinitely or for a fixed period of time. If you find that you don’t pay off your balance in full every month, then a card featuring a lower rate for a prolonged period of time will suit you well because it reduces the interest payable on your monthly purchases. However, if you have a large balance it may be cheaper to transfer your balance to another card that offers zero interest, which means you can pay back your debt faster.
| Image | Name | Annual Fee | Balance Transfer Rate | Cash Advance Rate | Purchase Rate | Apply |
|---|---|---|---|---|---|---|
 |
Bank SA Starts Low Stays Low Credit Card
Choose one of 4 colours |
$69 | - | 12.24% p.a. | 12.24% p.a. | |
 |
ANZ Balance Visa Card
Choose Balance Transfer for 6 months or 12 months |
$79 | 0% p.a. | 21.49% p.a. | 14.24% p.a. | |
 |
Citibank Clear Card
No Frills Low Interest Rate Card |
$65 | 0% p.a. | 21.24% p.a. | 11.99% p.a. | |
 |
ANZ Low Rate MasterCard
60 Second Response to your Application. |
$58 | 0% p.a. | 21.49% p.a. | 13.24% p.a. | |
 |
Aussie MasterCard
Balance Transfer 2.99% p.a for 6 months OR 3.99% p.a for 12 months. |
$49 | 2.99% p.a. | 19.79% p.a. | 12.99% p.a. | |
 |
St George Vertigo MasterCard
Cannex 5 star rated credit card |
$55 | 2.99% p.a. | 20.99% p.a. | 12.49% p.a. | |
 |
Suncorp Clear Options Standard Card
Balance transfer for 12 months |
$39 | 1.9% p.a. | 17.99% p.a. | 12.24% p.a. | |
 |
Macquarie Visa RateSaver Card
0% balance transfer for 4 months |
$50 | 0% p.a. | 21.45% p.a. | 13.95% p.a. | |
 |
Virgin No Annual Fee Credit Card
Never pay an annual fee again! |
$0 | 2.9% p.a. | 20.99% p.a. | 16.95% p.a. | |
 |
BankSA Vertigo Credit Card
Cannax 5 star credit card |
$55 | 2.99% p.a. | 21.24% p.a. | 12.49% p.a. |